Open the shop where you want to pay. Enter the amount you wish to pay. Enter your secret PIN. Ask for and enter the merchant pin to secure and complete the transaction. Show the success screen to the merchant to confirm that the payment has been made.

If the debit card is a MasterCard or Visa card, has a CVV number on the back and is enabled for online payments, then it will work. Please note that many banks automatically disable debit cards for online payments, so you may need to contact your bank’s card division if your's does not work.

Yes, you can. Your wallet is integrated with I-Pay, the leading instant EFT service provider in South Africa. Instant or automated EFT is a streamlined version of a traditional EFT. It makes payment of a bank transfer a lot faster and easier by eliminating certain steps such as reference number and amount entry. The payment method only requests from buyers, those values which are not known to them such as account number and one time pins.

A far reduced risk of identity theft than any credit/cheque/debit card payment system

Currently, we can process Instant EFT if you have an account with any of these South African banks: ABSA, FNB, Nedbank, Standard Bank, Capitec and Investec.

The app works with all OTP (One Time Pin) enabled cards, including both Visa and MasterCard. When you add your card details on the app, it 3D verifies the account details and produces an error message if the card is not supported.
There is always the option to fund your wallet via Instant EFT.

Select the Settings Icon from the app’s main menu > My Cards and simply delete the card. Add the new card details and you’re ready to go! If you simply want to add a second card you do not need to delete your first card’s details.

Yes, provided that the issuing bank has 3D Secure enabled on the card. You will only be able to use the app at locally based merchants registered with us.

There are many levels of security to your phone and your mobile wallet itself. Before even getting to the app, the thief would have to decipher your phone password and wallet PIN number or find a way to bypass your Face- or Touch ID. Even if someone could bypass these security measures, they would also need your unique wallet PIN in order to make payments with the app.
We recommend that once you've downloaded and logged into your mobile wallet on your new phone that you change your pin.

Open the application, click on Account Settings Icon > Change Pin. You will need the email and password that you registered with to reset a pin.

No, only you can verify a payment with your PIN. Merchants do not have access to your card or banking details when you use your wallet.

These details are never shared with merchants, nor are they stored anywhere on our systems. No one will be able to get your card details from your wallet. Your card details are encrypted and a token is used in combination with your PIN when a transaction is made through PayGenius who securely encrypts your card details.

Your mobile wallet has a record of all your transactions on the app home screen. Click on the setting icon (top right-hand corner)>Transaction History.